Consumer finance lender Promise, which he founded, has been struggling despite long tie-up with Japan's third-biggest bank, Sumitomo Mitsui Financial Group. Promise is closing half its branches as profits are hit by government limits on loan rates and the amount each customer can borrow. Son Hiroki replaced as president in September in favor of Sumitomo Mitsui executive, ending family's 47-year reign running firm. Retired 9 years ago, Jinnai now grows mangoes and bananas in greenhouses on Japan's northern island of Hokkaido, known for its frigid winters.